Common Types of Cross-Border Injuries

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Common Types of Cross-Border Injuries

COMMON TYPES OF CROSS-BORDER INJURIES

By: Jessica Golosky

Traffic Accidents Are a Leading Cause of Death/Injury

Cars are a popular form of transportation for any outing, whether a day trip or a two-week vacation. Road traffic accidents are one of the leading causes of injury and death worldwide. Forbes found that there were more than 5.2 million collisions on American roadways alone in 2020.

The World Health Organization states that there were 1.35 million road traffic deaths globally in 2016, "with millions more sustaining serious injuries and living with long-term adverse health consequences."

"Globally, road traffic crashes are a leading cause of death among young people, and the main cause of death among those aged 15-29 years.

Many Hazards Face Travellers

Being hurt while driving or as a passenger in a vehicle is not the only concern for those crossing the border into the U.S. Every year, pedestrians and cyclists also suffer injuries that can be life-altering through no fault of their own.

Slip-and-fall accidents are a common occurrence and can easily disrupt a vacation.

People are routinely injured while enjoying their vacation, experiencing near drownings while swimming or boating, or spinal injuries from diving. Some will suffer lacerations or broken bones while playing sports or enjoying recreational activities such as hiking or cycling. Unsanitary conditions at a resort or hotel can also lead to illness.

Travellers can also fall victim to the violent behaviour of others. Assault, including sexual assault, physical assault, or emotional or psychological abuse.

Have a Plan While Travelling

Do you know the rules of the road for the area you are visiting? Have you checked weather reports and traffic advisories, you should plan to change drivers at regular intervals and take rest breaks. Carrying a first aid kit in your car is also a good idea.

If you are renting a car while on vacation, take the time to familiarize yourself with the vehicle.

If you are walking in a new city or hiking in unfamiliar territory, take a friend or family member with you.

Check Your Insurance Coverage

If you are driving with valid Ontario automobile insurance coverage, you will have similar protection if you get into an accident in the U.S. as you would in Ontario. It does not matter who was at fault or if the driver who caused the accident is under-insured or has no coverage at all.

If you are involved in a collision with an at-fault underinsured driver in Ontario and your damages exceed that driver's coverage, you are entitled to make a claim against your insurance provider under your third-party liability limits to make up the difference. That applies if the accident occurs in the U.S. as well.

Medical care in the U.S. can be extremely expensive, so it is important to also consider additional healthcare insurance coverage when traveling, even for a short trip.

What Happens After an Accident?

You may be able to make an insurance claim against the negligent party after an accident. Depending on the nature of your injury and the insurance coverage available, you may be entitled to emergency medical benefits, medical and rehabilitation benefits, income replacement, replacement of lost personal items, refunds of unused travel-related purchases, death and funeral benefits along with survivor benefits.

You may also be able to file a lawsuit seeking compensation from those who are responsible for your injury. This could cover damages for medical expenses, past and future lost income, and damages such as for pain, suffering and loss of enjoyment of life.

It is vital to contact a personal injury lawyer as quickly as possible after an accident to ensure that you preserve your rights.